Call reports 2016
STATE BANK OF RICHMOND — 2016
What STATE BANK OF RICHMOND reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 86,008,000 | 86,710,000 | 89,426,000 | 93,497,000 |
| Total loans | 51,746,000 | 54,356,000 | 59,322,000 | 69,007,000 |
| Allowance for loan losses | 582,000 | 617,000 | 679,000 | 670,000 |
| Securities available for sale | 23,487,000 | 21,319,000 | 20,859,000 | 18,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,641,000 | 76,022,000 | 78,557,000 | 83,145,000 |
| Interest-bearing deposits | 63,120,000 | 63,088,000 | 64,323,000 | 69,993,000 |
| Noninterest-bearing deposits | 12,521,000 | 12,934,000 | 14,234,000 | 13,152,000 |
| Equity capital | 9,778,000 | 10,079,000 | 10,247,000 | 9,741,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,466,000 | 2,249,000 | 3,075,000 |
| Interest expense | 66,000 | 135,000 | 205,000 | 280,000 |
| Net interest income | 668,000 | 1,331,000 | 2,044,000 | 2,795,000 |
| Noninterest income | 57,000 | 128,000 | 191,000 | 291,000 |
| Noninterest expense | 517,000 | 1,036,000 | 1,561,000 | 2,129,000 |
| Provision for loan losses | 45,000 | 80,000 | 141,000 | 201,000 |
| Pretax income | 169,000 | 349,000 | 539,000 | 772,000 |
| Income tax | 0 | 0 | 0 | 51,000 |
| Net income | 169,000 | 349,000 | 539,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,500,000 | 9,685,000 | 9,880,000 | 9,752,000 |
| Total capital | 10,082,000 | 10,302,000 | 10,559,000 | 10,422,000 |
| Risk-weighted assets | 56,336,000 | 60,998,000 | 63,711,000 | 72,123,000 |